I have been retired for 3 years (and my wife for 5). We spent lots of time with our 403b (academic equivalent of 401k) advisers beginning 15-20 years ago and they have always reassured us that, if we continue to prepare as we have and do not change our "lifestyle, spending habits, where you live, etc," we will be fine. So far, we are and we have not had to make any significant adjustments.
Get professional advice.
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